Royal Bank Invest

Start investing, with a tax-efficient Stocks and Shares ISA

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Win a trip to the Paris 2024 Olympic Games

Open or top up your Royal Bank Stocks and Shares ISA by 20th June to be in with a chance to win tickets to the Olympic Games in Paris 2024. One lucky winner will get:

  • Two tickets to Beach Volleyball and Athletics
  • Two Team GB House hospitality tickets
  • Two nights accommodation for two in the centre of Paris (breakfast included)
  • £500 towards your travel and expenses.

For every £50 you invest in your Royal Bank Stocks and Shares ISA, we will give you an entry into the prize draw (from the 6th April 2024 until 5pm on the 20th June 2024). Exclusions apply. Your capital is at risk. T&Cs, fees & charges apply. Must be 18+ to apply. No purchase neccessary.

Investing your way with Royal Bank

Choose how much you want to invest and how to hold your investments - in a Stocks and Shares ISA or a General Investment Account.

  • Choose from five ready-made funds, from defensive to adventurous.
  • We keep fees low so you keep more of any money you make.
  • Keep track, add more money, and set up or change monthly payments whenever you like with 24/7 online access.

Already an investor?

What is a Stocks and Shares ISA?

Tax-efficient way to invest

A Stocks and Shares ISA allows you to invest without paying UK Income Tax or Capital Gains Tax on any money you make from the investment.

But there’s a limit on what you can invest in ISAs in any given tax year, for the current tax year it's £20,000 (this is the total for both Cash ISAs and Stocks and Shares ISAs). 


What is a General Investment Account?

A flexible way to invest when you've used your ISA allowance

A General Investment Account allows you to invest without an upper limit. However you may have to pay UK Income Tax and Capital Gains Tax on the money you make from the investment.

You can hold investments in a Stocks and Shares ISA and a General Investment Account. 

How to invest your money

Choose investment options

  • Invest up to £20k in the current tax year with a Stocks and Shares ISA.
  • Invest as much as you like with a General Investment Account.

Start investing from £50

  • Your investments are managed by Coutts investment managers.
  • Five ready-made low fee funds, from defensive to adventurous.
  • Withdraw at any time, although investing is designed for the long term.

Responsible investing

  • Integrates environmental, social and governance practices into the investment approach.
  • Committed to achieving Net Zero by 2050.

Investment calculator

Use our calculator below to see how much your money could grow and get an idea of how much a monthly contribution can affect your investment. 

1. Five ready-made funds

Find out about our five funds in more detail below.


2. Have you invested before?


3. Choose the investment account

Amount invested


Likely return


If your investment performs worse


If your investment performs better


These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.

How much does it cost to invest with us?

We get that figuring out investment costs can be tricky. Our goal is to make it easy for you to know what you'll pay as a customer. 

Platform fee

This covers the cost of admin and online access.

Fund ongoing charge

This covers the cost of managing your investment.

Transaction costs

The cost of buying and selling shares and other investments.

Here's an example

If you invest £1,000 in to our Royal Bank Invest Stocks and Shares ISA, then we estimate that it'll cost approximately £6.20 a year to invest with us. 

How to start investing

Log in and explore invest

Log in to the Royal Bank investment portal, you'll need your Digital Banking details.

Complete your investment

Let us know if you want to choose your own investment or get automated advice. With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

Sit back and relax

Coutts investment managers will invest your funds. Log back in at anytime to check your investment and top up.

Any questions?

Ready to start?

To do this, you’ll need to be a Royal Bank customer with Digital Banking, aged 18 - 84 and a UK resident for tax purposes.

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

Anything else we can help you with?